问：1月1日起，2026年度惠民保在全国多地陆续生效。惠民保到底值不值得买？ 答：惠民保到底值不值得买，要看个人需求。要根据自身的年龄健康状况和预算情况，了解产品具体的 免赔额、报销比例以及保障药品目录，作出合适的选择。如有购买需求，可以在支付宝、微信等平台搜 索各地的惠民保入口，进行详细了解。 普惠性较强 惠民保最大特点是普惠性。一方面保费不高，年保费普遍在几十元到两百多元之间；另一方面，投保条 件宽松，通常不限年龄、职业和健康状况。 老年人和已有疾病导致商业保险投保难的人、预算有限的年轻人、已购商业保险想要增加保障范围的 人，都可以考虑购买惠民保。 惠民亮点多 一些产品还附带服务项目。比如，有的带挂号陪诊，有的带上门护理，有的赠送洗牙，有的提供癌症筛 查，还有的能代煎中药。投保人可以各取所需。 此外，有的惠民保与医保结算联动，被保险人达到理赔门槛可以实现自动结算。 理赔门槛高 惠民保是一种政府指导、商保承办的普惠保险产品，但也面临理赔门槛高等问题。目前，惠民保的理赔 门槛通常在1万元至2万元之间，如果经过医保报销之后没有达到免赔额，则无法获得赔付。 惠民保是一种普惠保险，其产品逻辑是"广覆盖、低保费"，核 ...

Market Overview - The digital media sector experienced a decline of 0.52% on January 7, with Fengyuzhu leading the drop [1] - The Shanghai Composite Index closed at 4085.77, up 0.05%, while the Shenzhen Component Index closed at 14030.56, up 0.06% [1] Individual Stock Performance - Zhangyue Technology (603533) closed at 24.77, up 4.47% with a trading volume of 544,500 shares and a transaction value of 1.338 billion yuan [1] - Zhidema (300785) closed at 45.04, up 1.53% with a trading volume of 241,000 shares and a transaction value of 1.081 billion yuan [1] - People's Daily Online (603000) closed at 19.85, down 0.25% with a trading volume of 184,200 shares and a transaction value of 368 million yuan [1] - Fengyuzhu (603466) closed at 9.98, down 2.54% with a trading volume of 265,700 shares and a transaction value of 268 million yuan [2] Capital Flow Analysis - The digital media sector saw a net outflow of 531 million yuan from institutional investors, while retail investors had a net inflow of 490 million yuan [2] - The individual stock capital flow indicates that Zhidema had a net outflow of 25.05 million yuan from institutional investors, while retail investors contributed a net inflow of 53,700 yuan [3] - Zhangyue Technology experienced a net inflow of 14.84 million yuan from institutional investors, with a net outflow of 619,080 yuan from speculative funds [3]

1月1日起，2026年度惠民保在全国多地陆续生效。惠民保是一种政府指导、商保承办的普惠保险产品， 但也面临理赔门槛高等问题。惠民保到底值不值得买？一起来看。 问：保费贵吗？谁能买？ 一些产品还附带服务项目。比如，有的带挂号陪诊，有的带上门护理，有的送洗牙，有的提供癌症筛 查，还有的能代煎中药，投保人可以各取所需。 此外，有的惠民保与医保结算联动，被保险人达到理赔门槛可以实现自动结算。 问：惠民宝到底该不该买？ 答：目前，惠民保的理赔门槛通常在1万至2万元之间，如果经过医保报销之后没有达到免赔额，则无法 获得赔付。 惠民宝到底值不值得买，还要看个人需求，要根据自身的年龄健康状况和预算情况，了解产品具体的免 赔额报销比例以及保障药品目录，作出合适的选择。如有购买需求，可以在支付宝、微信等平台搜索各 地的惠民保入口，进行详细了解。 编辑：万政 答：惠民保最大特点是普惠性。一方面保费不高，年保费普遍在几十元到两百多元之间；另一方面，投 保条件宽松，通常不限年龄职业和健康状况。 老年人和已有疾病导致商业保险投保难的人、预算有限的年轻人、已购商业保险想要增加保障范围的 人，都可以考虑购买惠民保。 问：惠民宝有何惠民亮点？ ...

值得买所属申万行业为：传媒-数字媒体-门户网站。所属概念板块包括：Kimi概念、小红书概念、AI语 料库、网络营销、AIAgent（智能体）等。 1月5日，值得买盘中上涨2.01%，截至13:04，报44.70元/股，成交8.90亿元，换手率16.63%，总市值 88.89亿元。 资金流向方面，主力资金净流出2608.55万元，特大单买入7551.80万元，占比8.48%，卖出5381.57万 元，占比6.05%；大单买入1.89亿元，占比21.26%，卖出2.37亿元，占比26.63%。 值得买今年以来股价涨2.01%，近5个交易日涨12.28%，近20日涨8.44%，近60日涨12.62%。 资料显示，北京值得买科技股份有限公司位于北京市丰台区诺德中心二期11号楼37层-39层，成立日期 2011年11月10日，上市日期2019年7月15日，公司主营业务涉及运营内容类导购平台什么值得买网站 (www.smzdm.com)及相应的移动客户端,为电商、品牌商等提供信息推广服务、互联网效果营销平台服 务。主营业务收入构成为：信息推广收入41.83%，互联网效果营销平台收入28.38%，运营服务费收入 27.62 ...

Core Insights - The CXO sector in A/H shares shows signs of fundamental recovery ahead of expectations in 2025 after three years of valuation downgrades [1] - The recovery is uneven, with the clinical CRO segment still facing challenges, indicating a divergence in industry recovery [1][7] Group 1: Financial Performance - WuXi AppTec (药明康德) reported a revenue of 32.857 billion yuan in the first three quarters of 2025, a year-on-year increase of 18.61%, and a net profit of 12.076 billion yuan, up 84.84% [1] - The company had a backlog of orders amounting to 59.880 billion yuan as of September 2025, reflecting a 37.2% year-on-year growth [1] - The average price of clinical research services in China has decreased by approximately 30% since 2022, impacting gross and net profit margins [2] Group 2: Order Fulfillment and Business Model - The business model of CXO leads to a natural lag in order fulfillment, with revenue recognition often taking multiple quarters or years [2] - WuXi AppTec's backlog at the end of 2024 was 49.310 billion yuan, 1.26 times its revenue for that year, indicating visible future revenue growth potential [2] - The order-to-revenue ratio is crucial for assessing conversion efficiency, with a healthy range identified between 1.2 to 1.3 times [3] Group 3: Market Dynamics and Challenges - The global pharmaceutical R&D investment continues to grow, but structural fluctuations are evident, particularly among innovative drug startups [1] - The clinical CRO segment is heavily influenced by funding constraints and project strategy adjustments, leading to a situation where project numbers increase but individual project outputs decline [8] - The international expansion of clinical CROs raises higher standards for organizational capability and compliance, making short-term recovery challenging [8] Group 4: Emerging Opportunities - The global expansion of GLP-1 and related indications has led to unexpected order increases in upstream peptide and related processes, maintaining high demand in 2025 [9] - Core stock Novartis Bio (诺泰生物) achieved a revenue of 1.527 billion yuan in the first three quarters of 2025, with a net profit of 445 million yuan, reflecting a year-on-year growth of 21.95% and 26.92% respectively [9] - The market for cell and gene therapy (CGT) is still growing, but profitability remains elusive, with significant investments required before becoming a core profit driver [10][11]

证券之星消息，12月31日数字媒体板块较上一交易日上涨2.82%，掌阅科技领涨。当日上证指数报收于 3968.84，上涨0.09%。深证成指报收于13525.02，下跌0.58%。数字媒体板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 603533 | 皇阅科技 | 22.12 | 10.00% | 53.53万 | | 11.54亿 | | 300785 | 值得买 | 43.82 | 6.98% | 36.10万 | | 15.64亿 | | 000681 | 视觉中国 | 23.81 | 4.38% | 116.13万 | | 27.90亿 | | 301313 | 凡拓数创 | 26.51 | 3.07% | 2.94万 | 7740.60万 | | | 300413 | 芒果超媒 | 24.42 | 2.52% | 28.23万 | | 6.82亿 | | 300987 | 川网传媒 | 16.80 | 2.19% | 2.82万 | 4722.8 ...

这也引出了我们今天的问题——手机品牌的碎屏险，真的值得买吗？ 按照 2025 年 11 月国内手机销量顺序，我们统计了销量前 6 的手机品牌售后服务情况，其中苹果只提供完整的整机意外保服务，而国内手机品牌的各类保修 服务就复杂太多了。 小米：服务选择丰富，可惜信息更新不及时 在小米 17 Ultra 的购买网页，我们能看到 MiCare 无忧版、延长保一年这两种增值服务（保值换新、延保不涉及意外损坏维修，不纳入此次对比范围内）。 但从小米的另一个网页中，我们不难发现，视机型不同，小米其实提供四种不同的维修售后服务，分别为 MiCare 无忧版、延长保、碎屏保障服务和意外保 障服务。 前段时间，小雷不慎摔碎了自己手机的后盖。幸运的是，小雷的手机有购买意外保服务，单独更换手机背板只花了 188 元。更"还算"的是，根据苹果的报 价，就算碎的是手机正面屏幕，在有 AC+（Apple Care+）的情况下，更换屏幕同样只需要 188 元，可以说相当"划算"了。 但事实真的如此吗？虽然苹果 AC+ 修手机的单次维修价格不会超过 628 元（如果多个部件损坏的维修价总和超过了 628 元，苹果一般会直接按照"其他损 坏" ...

Core Viewpoint - The high-end television market is witnessing a technological revolution with the emergence of RGB-Mini LED technology, which is being hailed as the ultimate standard in display technology, surpassing the previously dominant Mini LED technology [1] Group 1: RGB-Mini LED Technology - RGB-Mini LED technology represents a significant advancement over traditional QD-Mini LED, utilizing red, green, and blue light-emitting chips directly, resulting in superior color purity and vibrancy [2] - The Hisense E8S Pro achieves an industry-leading 100% BT.2020 color gamut coverage, providing users with a more authentic visual experience, especially on large screens [2] Group 2: AI Picture Quality Chip - Hisense is the only domestic brand with self-developed picture quality chip capabilities, and the E8S Pro features the XinXin® AI picture quality chip H7, which manages 9360 backlight zones in real-time [3] - The AI chip enables "light and color co-control," achieving 108 bits of precision in controlling brightness and color, significantly reducing common issues like "blooming" by 60% [5] Group 3: Screen Reflection and Viewing Experience - The Hisense E8S Pro is equipped with a black crystal Ultra screen that boasts a low reflectance of 1.28%, the lowest in the industry, ensuring clear visibility even in bright conditions [7] - With a peak brightness of 6200 nits and RGB wide viewing angle technology, the television maintains consistent color and brightness across different viewing positions, enhancing the overall viewing experience [7] Group 4: Market Positioning - The Hisense E8S Pro is positioned as a leading option for consumers seeking the forefront of LCD display technology, capable of delivering high-quality visuals for both gaming and cinematic experiences [6][7]

【#羽绒服和棉服到底哪个更值得买#？】#棉服与羽绒服的保暖差距真相#到底是羽绒服物有所值，还是 棉服更具性价比？所有保暖核心都是"锁住空气"，如果把一个保暖纤维（棉花或羽绒）的微观结构放 大，好似无数个小房间锁住空气。这就像给蔬菜盖大棚，衣服里的棉花或羽绒，就是无数个"微型保温 层"，谁锁住的空气又多又稳，谁就赢。追求极致轻暖，优先挑选羽绒服。遇到雨天雪天，高科技人造 棉服更有优势。 #长期乱买衣服 隐形贫穷# ...

（记者 张明双） 每经AI快讯，有投资者在投资者互动平台提问：请问公司在跨境电商这块跟哪些公司有合作吗？ 值得买（300785.SZ）12月26日在投资者互动平台表示，当前，全球电商市场，尤其是新兴国家的电子 商务领域，仍处于快速增长阶段，消费内容及内容营销服务需求旺盛。基于这一洞察，2024 年，公司 正式启动了国际化战略，迈出了国际化布局的重要一步。目前，公司的国际化战略已经在泰国、印尼等 地开始落地，后续有关进展欢迎您关注公司相关公告和定期报告的披露。 ...